Using a survey of members of the Reformed Church in America, Luidens and Nemeth tested three models purporting to explain levels of religious giving: the high-demand church model, the club model, and the dues-paying model. Survey results indicated that family income and level of involvement in congregational life are the strongest predictors of giving, and therefore the club and dues paying models offer the most accurate explanations of giving. On the other hand, the high-demand church model is more explanatory of church involvement. Conservative beliefs were associated in the survey with higher giving, but religious beliefs proved less predictive of giving than were personal piety and religious practices. Family income was only weakly associated with church participation, indicating that it operates separately as an influence on giving. (SM)